Quarterly Financial Statements

Income Statement (Unaudited)

	4^th Quarter 2019 Amounts in LAK
INCOME AND EXPENSE IN BUSINESS
Interest income and similar	148.587.818.540
Interest expense and similar	(55.173.266.999)
NET INTEREST INCOME	93.414.551.541

Fee and commission income from financial service	58.584.078.589
Fee and commission expense from financial service	(529.979.362)
Gain or loss from foreign currency exchange	1.553.088.036
NET INCOME IN BUSINESS	153.021.738.804

NORMAL INCOME AND EXPENSE
Other income in business	14.996.812.678
Administration expense	(96.066.715.735)
Depreciation and amortize cost	(13.529.359.779)
Other expense in business	(3.790.412.601)
Net provision expense	(6.506.420.015)
NET NORMAL INCOME AND EXPENSE	(104.893.525.967)
INCOME BEFORE SPECIAL ITEMS	48.128.212.837
Incom tax expense	(14.706.044.645)
NET PROFIT	33.422.168.193

	4^th Quarter 2019 Amounts in LAK
ASSETS
Cash and placement with BOL	291.440.502.787
Amount due from other banks	79.913.616.793
Loans and advances	1.160.975.041.550
Property and equipment — net	38.159.189.580
Other assets	28.533.961.839
TOTAL ASSETS	1.599.022.312.549

LIABILITIES
Amount due to other bank and financial institution	282.463.515.860
Amount due to customers	875.356.057.796
Other liabilities	71.956.127.722
Total liabilities	1.229.775.701.378
EQUITY
Share capital	300.000.000.000
Legal reserves	5.014.987.614
General reserves	5.740.096.350
Accumulated losses	45.134.888.521
Profit for the year	33.422.168.193
Total shareholders' equity	389.312.140.678
TOTAL EQUITY AND LIABILITIES	1.619.087.842.055

Note:

Please click here for quarterly financial statements in Laos.
The audited yearly financial statements are also available at audited financial statements page and you may find more detailed reports in our Annual Reports.

Address	:	#398, Corner of Dongpalane and Dongpina Road, Unit 20, Phonesavanh Neua Village, Sisattanak District, Vientiane Capital, Lao PDR. See map
P.O. Box	:	1555
Hotline	:	1800
Tel	:	+856 (0)21 264 994 / 416 999
Fax	:	+856 (0)21 264 995 / 219 228
E-mail	:	acledabank@acledabank.com.la
SWIFT Code	:	ACLBLALA